David is a native of New Jersey and has been a Florida resident since 1981. David is a graduate of Rollins College in Winter Park, Florida, where he majored in economics and minored in business administration. David is a third generation financial professional and has over twenty five years of financial services experience. David carries the CFP^® designation and has graduated from the future leaders program from the Securities Institute of America (SIA) held at the University of Pennsylvania Wharton School.

David has been manager of the Naples office of Raymond James & Associates since 1998. In 2002 David was promoted to sr. vice president, investments and Southwest Florida complex manager overseeing Lee, Collier & Charlotte counties for Raymond James & Associates.

David is active in the community where he has served as co-chair of the 2000 Collier Heart Ball, Junior Achievement volunteer of the year for both 2005 and 2006, Optimist soccer coach for seven years and was co-chair for the Community School Polo Tournament in 2006. David is known in Collier County as a leader in the Save the Zoo campaign, which was responsible for the purchase of the Caribbean Gardens Zoo and surrounding property. As an avid golfer, David’s family is involved with the First Tee Naples/Collier and its travel team program

David is married to his wife, Toni, and has two children aged 18 and 11. David has been a Naples area professional for the last 21 years.

Howard is a native of New Jersey and has been a Florida resident since 1991. Howard is a graduate of Stockton College in Pomona, New Jersey, where he majored in finance and minored in business administration. Howard received his Accredited Asset Management Specialist designation from the College of Financial Planning in October of 2000. Howard also completed his Certificate in Financial Planning from Florida State University in May of 2003.

In July of 2003, Howard joined Raymond James & Associates as vice president, investments and resident manager in the Southwest Florida complex. Howard has over 14 years of financial services experience in the Naples/Marco Island area.

Howard has been an instructor in the Certified Financial Planner^™ Certification Education Program at Florida Gulf Coast University and has lectured in the Learning for Life Seminar Series offered by the university.

In addition to his experience in financial services, Howard is very active in his community. Howard serves on the board of the Marco Island Civic Association. He is the founder, along with his wife, of the local charity Upon A Star Foundation.

Howard is married to Michelle, and they have three children ages 20, 11 and 9.